Insurance disclosures

This website provides general educational information. It is not a policy, an offer of guaranteed coverage, an individual recommendation or a promise of a particular result.

Insurance coverage, issue ages, underwriting, premiums, exclusions, waiting periods and benefits vary by insurer, product, state and individual circumstances. Applications are subject to the applicable underwriting and eligibility requirements. The issued policy controls.

IUL is insurance, not a direct investment in an index. Non-guaranteed values can differ from illustrations. Charges, loans and withdrawals can reduce policy value and benefits and may contribute to lapse. Living-benefit payments can reduce the remaining death benefit and have additional conditions and costs.

Legacy Insurance & Finance is not a law firm. General planning resources are not legal advice. Confirm licensing, product availability and applicable disclosures with Mariam before applying. The site and any downloadable legal resource require human compliance and legal review before public launch.